By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.
Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
We've partnered with MoneySuperMarket to help you compare a wide range of home insurance options in one place, with added insight from Which?
Get a quote with MoneySuperMarket and we'll highlight Which? Best Buys and Recommended Providers in your results.
This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.
We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.
In this article
Founded in 1993, Admiral is a UK-based company that offers a wide range of insurance products including home insurance, car insurance and travel insurance, as well as other financial products such as loans.
It belongs to the Admiral Group, which also owns Bell, Diamond, Elephant and Gladiator. Its policies are underwritten by Admiral Insurance Company Limited.
We've reviewed all three of Admiral's home insurance policies: Admiral, Gold and Platinum. All are available directly from Admiral or on insurance comparison websites.
We've also surveyed 217 Admiral customers who have recently made a home insurance claim.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
Admiral’s Platinum cover was towards the top end of our table.
78%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We reviewed three Admiral policies. Select a policy from our table to see what it offers and how it scored.
| Buildings - Alternative accommodation | £100,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £350 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £2,000 | |
| Contents - Alternative accommodation | £25,000 | |
| Contents - Accidental damage | Full cover included | |
| Contents - Guests' belongings | £2,500 | |
| Contents - Theft of contents in the open | £2,500 | |
| Contents - Damage to contents in the open | £2,500 | |
| Contents - Theft from outbuilding | £7,500 | |
| Contents - Damage to contents in an outbuilding | £7,500 | |
| Contents - Personal possessions cover single item limit | £2,000 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Use our customer scores to help you choose a great deal at MoneySuperMarket
Compare dealsWhich? earns commission to fund its not-for-profit mission if you buy a product
Dean Sobers, Which? home insurance expert, says:
Admiral’s Platinum policy was towards the top of our table, with a buildings score of 74% and a contents score of 71% (compared with averages of 71% and 67% respectively). While it was sufficiently comprehensive and had fairly positive customer feedback, its low claims acceptance rates prevented it from being a Best Buy.
We like that its definition of ‘storm’ includes weather events that aren’t accompanied by high winds. Heavy rainfall, snow and hail can also count.
It also includes full accidental damage cover as standard. With many other policies, it's an add-on, or covers only a small selection of breakages (for example, glass in windows) unless you pay more.
It isn’t flawless, though. Areas where it fell short include a steep cancellation fee of £40 and a comparatively low contribution towards the cost of replacing a boiler that’s damaged beyond repair. Platinum pays £250, whereas many policies offer twice this.
Most home insurance policies offer home emergency cover. This covers situations where immediate support is required, such as plumbing emergencies. Only a fifth of policies we looked at include this as standard. Admiral’s Platinum policy is one of them, with a cover limit of £1,000 for emergency callouts.
As you might imagine, Admiral’s budget policy – simply called Admiral – earned lower scores in our analysis than Platinum. It received a 70% buildings score, which is around average, and a 54% contents score, which puts it in the bottom fifth of our table.
Its mid-level offering – Gold – was an improvement on Admiral cover, with scores of 72% and 65% for buildings and contents cover respectively. Both were close to average.
We asked Admiral customers who have recently made a claim how they felt about their home insurance.
Admiral received a customer score of 78%, placing it joint 11th out of 21 home insurance providers compared.
When we asked people to rate its claims handling, it scored 79%. This put Admiral in ninth place with three other providers, out of 22 insurance providers rated.
When we asked customers more about the rating they gave Admiral, one told us that its customer service team is 'very friendly, very helpful and quick with answers when there are any problems'.
Another customer noted: 'A representative was assigned to monitor and follow up until everything was fixed and settled.'
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers |
Table last updated in September 2026. Next update in September 2027.
Admiral sample size: customer score 217, claims score 245
Admiral sends a renewal notice approximately three weeks before the due date. While it doesn't offer a price-matching pledge, you can use this window of time to discuss your premium if it doesn't seem fair compared with other offers.
You can find out more about how to do this in our haggling guide.
Admiral appears on the following comparison sites:
Want to pay monthly? Admiral charges interest of up to 22% APR, so you might be better off paying annually using an interest-free credit card.
Above information correct as of August 2026. For more ways to save money when buying insurance, see our guide to cheap home insurance.
With a customer score of 78%, Admiral sits in joint 11th place overall in our satisfaction table. It tied with Direct Line, and came just below 1st Central, HSBC, Lloyds Bank and Nationwide (which all scored 79%) and slightly ahead of First Direct (77%).
Its standard Gold buildings policy scored 72% and ranks 12th in our standard buildings cover table. This puts it just behind standard cover from Ecclesiastical and Aviva (73%) and slightly ahead of standard cover from Halifax, Lloyds Bank, Tesco and Urban Jungle (71%).
As for contents insurance, its standard Gold policy scored 65% and sits in joint 20th place among standard policies. The score matches standard contents policies from Aviva and Coverbaloo.
If you need to make a claim with Admiral home insurance, call 0333 220 2003.
You can also make a claim on Admiral's website.
Possibly. We like Admiral’s Platinum cover, but its low claim acceptance rates mean we can’t recommend it.
Find the right policy for your home using the service provided by MoneySuperMarket
Get a quote now